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Pay as you go (PAYG) mobile plans are great for those who don't use their phone very much:
Pay upfront, with credit frequently lasting 6 or 12 months
Only pay for the calls and texts you send
Best suited for the occasional call, or for those who need to keep their phone number for a longer period of time (and not use it often)
What is a pay as you go mobile plan?
PAYG mobile plans operate differently to regular prepaid or postpaid plans. Rather than paying a set monthly fee for unlimited calls and a data allowance, you buy credit upfront and get charged for every call made, text sent and bit of data used.
Example: Pay $30 upfront for Vodafone's PAYG plan. Calls and text cost 20c/min or per SMS, and data costs 4c/MB. This means if you make a call lasting for 5 minutes, it'll cost you $1 and you'll have $29 of credit remaining.
How to find the best PAYG mobile plan
While there is no singular best pay as you go mobile plan for everyone, there are two simple things to consider to find the right one for you.
Step 1: Decide your expiry period
The expiry period is how long your credit will last you. The longer the expiry, the less you'll need to pay for your mobile plan over a year.
Keep in mind: If you're committing to a longer expiry period, make sure the credit (plan amount) you're paying for will last you for the whole period. There's no point signing up to a longer plan if you're going to run out before then.
Step 2: Compare usage rates
While you can easily compare data and monthly prices when it comes to regular mobile plans, it's not as straightforward with PAYG plans. Because PAYG plans don't come with unlimited calls and texts, usage rates matter. The higher the rate for your calls, texts and data, the faster your credit will run out.
Tip: Click 'View Details' on our table above to find the usage rates for calls, texts and data. PAYG plans often have terribly expensive data fees, so focus on call and text rates, including flagfall charges.
Flagfall is the fixed amount you need to pay when making any phone call, regardless of how long the call lasts for. Not all pay as you go mobile plans have flagfall charges, but keep it in mind as it can bump up the cost of quick calls.
Which provider has the best PAYG plan?
There are a few providers that sell pay as you go plans, but they aren't often promoted since they're targeted at low usage customers and not as popular as regular monthly mobile plans.
When it comes to PAYG plans, one of the biggest differences is how much you're charged for calls, texts and data. The best PAYG plan for you will balance the upfront plan fee, expiry period and usage rates.
We've broken down a few of the most popular PAYG providers and what they offer.
Provider
Expiry period
Call & text rates
Data rates
Optus
Between 45-365 days
25c/min (no flagfall), 25c per SMS
7c/MB
ALDI Mobile
365 days
12c/min (no flagfall), 12c per SMS, 35c per MMS
5c/MB
TPG
Monthly
9.9c/min (10c flagfall), 9.9c per SMS, 60c per MMS
10c/MB
amaysim
365 days
15c/min (no flagfall), 15c per SMS, 49c per MMS
7.2c/MB
How do you save with a PAYG plan?
You only save money with a PAYG plan if you don't use your phone frequently. To illustrate this, we've compared ALDI Mobile's regular 3GB for $15 plan against various usage patterns of its PAYG plan below.
As you can see, the PAYG plan works out cheaper than a regular plan for low usage amounts, but costs can spiral quickly once you're making a few calls per day or sending multiple texts.
If you're likely to make more than 1 call and 1 text daily, you're probably better off sticking to a regular mobile plan. But if you're going to make just 4 calls a month, PAYG could be the better plan for you.
Data use has been ignored in the chart above. Using just 10MB of data per day with no calls or texts on ALDI's PAYG plan will cost you the same as the 3GB plan. Data is expensive on pay as you go plans, so we highly recommend you steer clear of these plans if you want to use any amount of data.
Frequently asked questions
ALDImobile has the cheapest PAYG mobile plan in the Finder database, charging just 12c/minute for standard calls and 12c each for standard SMS.
If all of your phone calls last 5 minutes or more, or you mostly send texts, TPG's plan works out cheaper, since the 10c flagfall is outweighed by slightly lower per minute rates.
While PAYG plans often have long expiry periods, they are quite different to typical long expiry plans because of the plan features. Long expiry plans often come with a chunk of data and unlimited calls/text included, whereas PAYG plans usually come with no data at all, and a dollar amount of calls/text available.
PAYG mobile plans are great for those who don't use their phones regularly. They're particularly worth it if you:
Average about one short text and a phone call of no more than two minutes per day
Never use mobile data
Usually receive calls rather than making them
Don't need voicemail often and don't call premium or 13/1300 numbers
PAYG plans are a great way to save if you don't rely on your phone very much. But otherwise, especially if you need data, they might not be such a good idea. Here are the pros and cons laid out below for PAYG plans.
Pros
Often come with long expiry periods or credit rollover
Great if you just need a number so people can contact you
Cheap way to get access to a mobile plan only when you need it
Cons
Horrible value if you intend to use any data at all
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Sam Baran is a writer for Finder, covering topics across the tech, telco and utilities sectors. They enjoy decrypting technical jargon and helping people compare complex products easily. When they aren't writing, you'll find Sam's head buried in a book or working on their latest short story. Sam has a Bachelor of Advanced Science from the University of Sydney.
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